Novem Nexus

In this episode of Novem Nexus: Navigating Your Financial Narrative, host Greg Wagner reimagines the role of budgeting in our lives. Rather than a rigid spreadsheet exercise, Greg frames budgeting as a tool for reflection and alignment—a way to bring your money in step with your values. He explains why so many traditional budgets fail: they’re built for an idealized, perfectly disciplined version of us that doesn’t exist.Through personal stories and practical guidance, Greg introduces the idea of a value-based budget, one that bends with life’s unpredictability while keeping us grounded in what truly matters. By categorizing spending into essential needs, aligned values, and friction points, he offers a framework for creating a budget that resonates instead of restricts.This episode invites listeners to rethink budgeting not as a test of willpower but as an ongoing conversation with their finances—one that can reduce regret, enhance meaning, and ultimately support a life that feels more aligned and fulfilling.Disclosure:Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not an endorsement of any securities discussed. Listeners should not rely on it for their financial decisions.

In this special kickoff to Season 3 of Novem Nexus: Navigating Your Financial Narrative, host Greg Wagner takes a step back to reflect on the deeper purpose of the show. Rather than offering stock tips, quick fixes, or formulaic financial advice, Greg dives into the “why” behind our financial decisions—the stories, fears, hopes, and values that shape the way we spend, save, and invest.Money, as Greg explains, isn’t just math—it’s meaning. Every dollar spent or saved carries echoes of past experiences, cultural expectations, and subconscious biases. From the stress of checking a bank balance to the pressure of chasing wealth for status, financial choices are mirrors that reflect our identity, our values, and the narratives we’ve inherited. By examining these stories, we gain the power to move from automation to agency and from noise to clarity.Throughout the episode, Greg challenges common myths—like the idea that “more money” automatically means “more security”—and invites listeners to redefine what true financial success looks like. Instead of chasing someone else’s version of prosperity, he encourages us to ask: What does financial freedom mean for me? Is it alignment, peace of mind, generosity, or the ability to say yes and no without fear?This episode sets the stage for the season ahead: conversations that go beyond numbers and spreadsheets to uncover the psychology and philosophy of money. Listeners are reminded that real financial freedom begins not with a spreadsheet, but with self-knowledge.Disclosure:Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not an endorsement of any securities discussed. Listeners should not rely on it for their financial decisions.

What if your financial decisions are shaped more by your beliefs than your bank account?In this inspiring episode, Greg Wagner welcomes Alana Cummings—Founder and CEO of Superbloom Coaching—for a deep conversation on the emotional, psychological, and spiritual dimensions of money. Alana shares her journey from corporate success to personal fulfillment through coaching, and how money mindset plays a pivotal role in both personal development and financial outcomes.Together, they explore:Why we don’t talk about money—and how that holds us backHow to uncover inherited money beliefs and shift limiting narrativesThe power of value-based budgeting for financial clarity and purposeWhy receiving is just as important as givingHow gratitude and self-worth influence abundanceWhether you’re navigating your own financial narrative or helping others do the same, this episode is packed with honest insight and actionable wisdom.Disclosures:Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not an endorsement of any securities discussed. Listeners should not rely on it for their financial decisions.

In episode 19 of Season 2 of Novem Nexus: Navigating Your Financial Narrative, host Greg Wagner explores how we can raise financially literate children in a world that often teaches them everything except how money works. Greg starts by recalling the first thing he bought with his own money—a used mountain bike—and how such moments lay the groundwork for our lifelong relationship with finances. Today, kids can navigate an iPad before they can tie their shoes, yet many graduate high school without understanding interest, 401(k)s, or how to build an emergency fund—not due to inability, but because no one is teaching them.Greg emphasizes that financial identity is formed primarily at home. Children absorb far more from watching their parents’ day-to-day habits than from anything explicitly told to them. They notice the tension when bills are discussed, the hesitation before swiping a card, and these moments silently shape their beliefs. Instead of secrecy or shame, Greg encourages parents to explain decisions openly—like skipping dinner out to save for vacation—and to share not just successes but also mistakes. This builds trust and helps children see money as a reflection of values, not just a means to display status.He then turns to schools, noting a staggering disconnect: despite more than 12,000 hours in classrooms from kindergarten through high school, most students never receive meaningful personal finance education. Only a handful of states require dedicated courses, and even then, many teachers lack financial training. As a result, we graduate kids into a complex world of compound interest, student loans, and financial algorithms without equipping them to navigate it. Greg argues this isn’t just an educational gap—it’s a moral one.Without guidance, kids learn about money from marketers, credit card companies, and influencers, who link self-worth to luxury and consumption. Social media only amplifies this, feeding children targeted campaigns that exploit insecurities. Greg asserts that true financial literacy must go beyond knowing what a Roth IRA is; it requires understanding personal values, questioning societal scripts, and resisting impulsive spending driven by clever algorithms.Ultimately, Greg argues that our goal isn’t to raise mini CFOs, but thoughtful humans who can delay gratification, navigate financial decisions with clarity, and view money as stewardship. This literacy starts around the dinner table and in daily choices—modeling patience, restraint, and honesty, rather than outsourcing these lessons to apps, schools, or influencers.Disclosures:Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not an endorsement of any securities discussed. Listeners should not rely on it for their financial decisions.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.The financial landscape is saturated with advice and rules. Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the what and how of finance but, more importantly, the why. At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.Episode 18: “Culture, Cash, and Identity: How Our Backgrounds Shape Our Financial Lives”Have you ever wondered why you handle money the way you do—or where those habits come from? In this episode, Greg Wagner explores how our cultural backgrounds shape our financial behavior, often in ways we don’t consciously realize. From communal saving circles and family-first mindsets to rugged financial individualism, Greg unpacks the emotional and cultural tensions we experience when traditional values collide with modern financial systems.We explore how religious beliefs, inherited values, and immigration pressures affect everything from budgeting to investing. Greg dives into how Millennials and Gen Z are rewriting money scripts with a blend of tradition and tech—and why redefining wealth on your own terms is one of the most empowering things you can do.Whether you grew up in a home where money was taboo or in a culture where sharing wealth is a responsibility, this episode will prompt reflection on what money really means to you—and how to bring your financial habits into alignment with your identity.Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and human experience.The financial landscape is saturated with advice and rules. Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the "what" and "how" of finance but, more importantly, the "why." At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That’s what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.In Episode 17 of Season 2, “Charitable Giving and Philanthropy: Making a Financial Impact”, we delve into the emotional and strategic dimensions of charitable giving. Greg explores why generosity is more than a transaction—it’s a powerful reflection of identity, values, and purpose. From childhood influences and emotional triggers to tax strategies and legacy planning, this episode uncovers how and why we give. Whether you're donating time, money, or energy, Greg challenges listeners to rethink their approach to giving—not as obligation, but as an act of alignment and empowerment. Thought-provoking and heartfelt, this episode encourages you to give with intention, not impulse, and to ensure your generosity mirrors the world you want to help shape.Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence.Welcome to Novem Nexus: Navigating Your Financial Narrative.Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.The financial landscape is saturated with advice and rules. Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the what and how of finance but, more importantly, the why. At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.Episode 16: “The Psychology of Taxes: Avoidance, Resentment, and Empowered Planning”In this episode, Greg Wagner explores the emotional undercurrent of tax season—why taxes trigger such strong feelings of avoidance, resentment, and shame, and how those reactions impact our financial decisions. This isn’t just a discussion about Roth IRAs and tax-loss harvesting—though those come up too—it’s an invitation to examine how we relate to control, power, and fairness through the lens of taxation. Greg shares personal stories and practical strategies for creating a tax-savvy investment approach that reflects both your values and long-term goals. The result? Not just better returns, but a sense of agency and peace of mind.Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.' At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.In Episode 15 of Season 2, "Student Loans and Financial Planning for Higher Education," we explore strategies for planning and managing the costs of higher education. We cover everything from estimating the true cost of college and leveraging savings plans like 529s, to navigating the complexities of financial aid and scholarships.The first segment focuses on proactive planning for college expenses, emphasizing the importance of accurate cost estimation, savings strategies, and financial aid options. The second segment delves into managing student loans, detailing the differences between federal and private loans, repayment strategies, and avoiding common pitfalls.In the final segment, we discuss the long-term financial implications of student loans, including their impact on credit, homeownership, retirement planning, and investing. This episode offers listeners practical guidance for managing the financial side of higher education while maintaining long-term financial health.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience. The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.' At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives. Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative. Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions. In Episode 14 of Season 2, "The Financial Implications of Climate Change," we examine how climate change impacts industries, economies, and investment strategies. We discuss the long-term effects on global economies and the financial challenges businesses and governments face due to extreme weather events and regulatory changes. In the first segment, we focus on the economic impact of climate change, including its effects on various industries and the regulatory responses aimed at mitigating environmental damage. The second segment dives into investing in a changing climate, highlighting the rise of ESG investing, risks to traditional investments, and opportunities in green technology and renewable energy sectors. The final segment covers how individuals can adapt their financial strategies for climate resilience, including portfolio diversification, insurance planning, and long-term retirement considerations. This episode offers listeners insights into navigating the financial challenges posed by climate change while seeking investment opportunities in the transition to a more sustainable future.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience. The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.' At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives. Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative. Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions. In Episode 13 of Season 2, "Maximizing Employee Benefits: From 401(k)s to Stock Options," we explore how employees can take full advantage of workplace benefits to boost their financial health and build long-term wealth. We cover a wide range of benefits, from retirement plans and stock options to health insurance and flexible spending accounts. In the first segment, we discuss retirement benefits like 401(k)s, employer matches, and additional options such as 403(b) and 457 plans. We also explore the potential of HSAs as a powerful tool for retirement planning. In the second segment, we dive into stock options, ESOPs, and equity compensation, highlighting their benefits and the risks associated with equity concentration. The final segment focuses on additional employee benefits, including health, dental, and vision insurance, life and disability coverage, and FSAs. We provide strategies for making the most of these offerings to enhance financial well-being and minimize costs. This episode offers listeners practical advice on maximizing their workplace benefits to achieve financial stability and growth.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.' At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.In Episode 12 of Season 2, "The Role of Insurance in Wealth Protection," we explore the crucial role of various types of insurance in securing financial stability and preserving wealth. We discuss how life, health, and property insurance are integral components of a comprehensive financial plan, ensuring that individuals and families are protected against unexpected events.The first segment focuses on life insurance, detailing the different types and their role in providing financial security and wealth building. The second segment covers health and disability insurance, highlighting their importance in income protection and managing medical expenses.In the final segment, we delve into property and liability insurance, including homeowners, auto, and umbrella policies, as well as business insurance for entrepreneurs. We provide actionable strategies for choosing the right coverage and ensuring that assets are protected.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience. The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.' At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives. Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative. Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions. In Episode 11 of Season 2, "Generational Wealth: Strategies for Building and Maintaining Wealth Across Generations," we dive into best practices for creating and preserving wealth that lasts. We discuss investment strategies, multiple income streams, and risk management as essential components of building wealth that can be passed down through generations.In the first segment, we focus on building generational wealth through diversified investments and income sources. In the second segment, we explore methods for maintaining and preserving wealth, such as estate planning, tax minimization strategies, and financial education for heirs. The final segment emphasizes ensuring a smooth wealth transfer, addressing the importance of comprehensive wealth transfer plans, managing family dynamics, and incorporating philanthropy into legacy planning. This episode equips listeners with practical steps to secure and grow wealth across generations while ensuring a smooth and meaningful transfer.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience. The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.'At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives. Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation.Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative. Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.In Episode 10 of Season 2, "Cryptocurrency and Decentralized Finance (DeFi): Risk or Opportunity?", we explore the rapidly evolving world of digital finance. We break down the basics of cryptocurrency and blockchain technology, discussing their potential benefits and risks as part of an investment strategy.The first segment provides a foundational understanding of cryptocurrency and blockchain, highlighting their appeal and associated risks, including regulatory challenges. In the second segment, we introduce DeFi, explaining its structure, benefits, and the risks of engaging with decentralized financial platforms.The final segment focuses on evaluating cryptocurrency and DeFi as part of a personal investment strategy. We discuss diversification, risk management, and the importance of understanding different investing approaches, whether long-term holding or short-term trading.This episode equips listeners with the knowledge needed to navigate the opportunities and challenges of digital finance.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience. The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.' At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives. Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative. Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions. In Episode 9 of Season 2, "Navigating Life’s Financial Transitions: Divorce, Loss, and Major Life Changes," we explore strategies for managing significant life events that impact finances. We discuss how to prepare for and recover from major changes like divorce, loss of a spouse, and receiving an inheritance.The first segment focuses on financial strategies for divorce, including separating assets, understanding legal rights, and rebuilding financial independence. In the second segment, we cover the immediate and long-term steps to take after the loss of a spouse, emphasizing financial planning and adjusting to a single income.In the final segment, we discuss managing financial changes related to inheritance, relocation, and career changes. We highlight the importance of building financial resilience through emergency funds, insurance, and estate planning. This episode provides actionable insights for listeners facing life’s financial transitions, helping them navigate and manage these changes effectively.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.' At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.In Episode 8 of Season 2, "Sustainable Spending: Balancing Financial Goals with Environmental Impact," we explore how individuals can make financial choices that support environmental sustainability while aligning with their financial goals. We discuss the principles of sustainable spending and the benefits of integrating eco-conscious habits into financial practices.The first segment explains the concept of sustainable spending and addresses the challenges individuals may face when trying to balance environmental responsibility with affordability. The second segment provides practical strategies, such as eco-friendly budgeting, investing in sustainable products, and using green financial products like ESG funds and ethical banking options.In the final segment, we discuss how to plan for long-term financial and environmental impact, including developing a sustainable financial plan, building an emergency fund, and engaging with sustainable communities. This episode offers actionable insights for listeners looking to make a positive environmental impact while achieving financial stability.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience. The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.' At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives. Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative. Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.In Episode 7 of Season 2, "Financial Planning for Entrepreneurs and Small Business Owners," we dive into strategies tailored for business owners who balance their personal finances with business growth. We discuss the importance of separating personal and business accounts, managing cash flow, and developing comprehensive financial plans that integrate both personal and business goals.In the first segment, we highlight the importance of balancing finances, cash flow management, and creating a reserve for personal and business stability. The second segment focuses on investment and retirement planning, exploring options like SEP IRAs, Solo 401(k)s, and diversifying investments beyond the business. We also emphasize the significance of having an exit strategy for long-term planning.In the final segment, we discuss protecting business and personal assets, including insurance options, legal structures, and tax strategies. We provide actionable tips on building an emergency fund to safeguard against financial uncertainties. This episode offers business owners valuable insights into achieving long-term financial success by aligning their personal and professional finances.

In Episode 6 of Season 2, "The Role of Technology in Personal Finance: Apps, Automation, and AI," we explore how technology is transforming personal finance management. We discuss the evolution of budgeting apps, the rise of investment automation through robo-advisors and micro-investing platforms, and the growing influence of AI in financial planning. The first segment highlights how budgeting apps have simplified financial tracking and the potential privacy concerns they bring. In the second segment, we delve into investment platforms, including robo-advisors and micro-investing apps, and the benefits and risks associated with automated investing.The final segment focuses on the role of AI in personal finance, from credit monitoring to personalized financial planning. We explore the future possibilities and ethical considerations of AI in managing money. Listeners will gain insights into how to effectively integrate technology into their financial routines while staying aware of potential risks and privacy concerns.Greg Wagner is an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm.  All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience.The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.' At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives.Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative.In Episode 5 of Season 2, "The Impact of Inflation on Personal Finance and Investments," we explore the effects of inflation on various aspects of personal finance, from savings to investments. We discuss the causes of inflation and its impact on purchasing power, emphasizing the importance of understanding how inflation can erode the value of money over time.The first segment focuses on the definition of inflation, its causes, and its effects on purchasing power and savings. We explain how inflation affects fixed-income investments and the need to consider it when planning for long-term financial goals.In the second segment, we discuss how inflation influences investments, including the stock market, real estate, and commodities. We highlight strategies for using these assets to protect against inflation and maintain purchasing power.In our final segment, we provide actionable strategies for planning and managing inflation risk. We discuss diversification, adjusting savings plans, and the importance of long-term planning to protect against the effects of inflation. Listeners will gain insights into how to effectively incorporate inflation considerations into their financial strategies.Greg Wagner is a Registered Representative with Osaic Wealth, Inc., Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or Osaic Wealth, Inc. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.

In Episode 4 of Season 2, "Real Estate Investing: Opportunities and Risks Beyond the Stock Market," we explore the role of real estate in wealth-building. We discuss the benefits of real estate investing, such as portfolio diversification, income generation, and tax advantages, highlighting its appeal as a stable and tangible asset.The first segment focuses on the benefits, emphasizing how rental properties can provide consistent income and tax benefits that enhance profitability. In the second segment, we delve into the risks and challenges, including market volatility, property management costs, and liquidity concerns. We emphasize the importance of planning for these risks and understanding how economic cycles impact real estate values.In our final segment, we offer strategies for successful real estate investing, including thorough market research, financing options, and different investment approaches such as long-term buy-and-hold and short-term flips. We provide actionable insights to help listeners make informed decisions about incorporating real estate into their financial plans.Greg Wagner is a Registered Representative with Osaic Wealth, Inc., Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or Osaic Wealth, Inc. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.

Welcome to Novem Nexus: Navigating Your Financial Narrative, where we explore the various topics of finance, the stories, strategies, and psychology behind our financial decisions with host Greg Wagner as we dive into the intersection between finance and the human experience. The financial landscape is saturated with advice and rules, Novem Nexus aims to stand out by focusing on the underlying motivations, beliefs, and emotions that drive our financial behavior. We explore not only the 'what' and 'how' of finance but, more importantly, the 'why.' At Novem Group, we believe that finance is not just about numbers and equations; it's about real people with real emotions. That's what this podcast is all about: understanding the reasons behind our financial decisions and uncovering the narratives that shape our financial lives. Novem Nexus is more than just a podcast. Connect with us on social media, share your experiences, and join the conversation. Together, let's navigate our financial narratives with confidence. Welcome to Novem Nexus: Navigating Your Financial Narrative. In Episode 3 of Season 2, "The Psychology of Spending: Behavioral Traps and How to Avoid Them," we take a deep dive into the emotional and psychological factors influencing spending habits. We explore common behavioral traps like impulse buying, the impact of advertising and social media, and the concept of retail therapy. We discuss how emotions such as FOMO, identity, and self-esteem shape financial decisions and how spending habits can become ingrained through habitual behavior.Our first segment outlines these behavioral traps, highlighting the role of emotional triggers and societal pressures in driving spending. In the second segment, we dive into the emotional drivers behind these behaviors, explaining how factors like FOMO and self-esteem influence spending decisions.In the final segment, we provide strategies for managing spending habits, such as developing a mindful spending approach, setting financial boundaries, and finding healthier ways to cope with emotions. We conclude by emphasizing the importance of self-awareness in managing finances and invite listeners to reflect on their spending habits and apply the strategies shared in the episode.Greg Wagner is a Registered Representative with Osaic Wealth, Inc., Member: FINRA, SIPC, and an Investment Adviser Representative with Novem Group, an SEC-Registered Investment Adviser firm. Osaic Wealth is separately owned and other entities and/or marketing names, products, or services referenced here are independent of Osaic Wealth. All opinions expressed by Greg Wagner or any guests are solely their own and do not reflect the views of Novem Group or Osaic Wealth, Inc. This podcast is for informational purposes only, and does not constitute tax, investment, or other financial advice, and is not endorsement of any securities discussed, and listeners should not rely on it for their financial decisions.